Financial Highlights

Financial Highlights
2020 FQ1
3/31/2020
2019 FQ1
3/31/2019
Y-Y Ch (%)
2019 FQ4
12/31/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 1,183,553 1,103,840 7.22 1,131,923 18.25
Total Net Loans 960,770 910,762 5.49 917,859 18.70
Total Deposits 964,467 856,653 12.59 910,440 23.74
Equity Attributable to Parent Company 127,402 119,937 6.22 126,185 3.86
Total Equity 127,402 119,937 6.22 126,185 3.86
Profitability (%)
Net Income($000) (14) 1,492 NM 2,002 NM
Net Income Attributable to Parent($000) (14) 1,492 NM 2,002 NM
ROAA 0 0.55 (55) bp 0.71 (71) bp
Core ROAA 0.03 0.60 (57) bp 0.75 (72) bp
ROAE (0.04) 5.05 (509) bp 6.39 (643) bp
ROATCE 0.36 6.19 (583) bp 7.50 (714) bp
Core ROAE 0.26 5.53 (527) bp 6.79 (653) bp
Net Interest Margin 3.20 3.40 (20) bp 3.46 (26) bp
Reported: Net Interest Margin 3.22 3.45 (23) bp 3.43 (21) bp
Efficiency Ratio 71.43 75.61 (418) bp 71.36 7 bp
Noninterest Inc/ Operating Rev 13.67 11.15 252 bp 13.06 61 bp
Balance Sheet Ratios (%)
Loans/ Deposits 100.59 107.23 (664) bp 101.51 (92) bp
Securities/ Assets 8.48 8.14 34 bp 9.29 (81) bp
Total Equity/ Total Assets 10.76 10.87 (11) bp 11.15 (39) bp
Tangible Equity/ Tangible Assets 9.87 9.85 2 bp 10.20 (33) bp
Tang Common Equity/ Tang Assets 9.87 9.85 2 bp 10.20 (33) bp
Asset Quality (%)
NPAs/ Assets 0.88 1.14 (26) bp 0.85 3 bp
NPA Excl Restructured/ Assets 0.60 0.82 (22) bp 0.56 4 bp
NPAs & 90+ PD/ Assets 0.88 1.14 (26) bp 0.86 2 bp
NPAs/ Loans & REO 1.07 1.36 (29) bp 1.04 3 bp
Nonaccrual & 90+ & OREO/ Assets 0.61 0.83 (22) bp 0.57 4 bp
NPAs & 90+ PD/ Loans & REO 1.08 1.37 (29) bp 1.04 4 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 8.32 10.94 (262) bp 7.94 38 bp
NCOs/ Avg Loans 0.07 0.16 (9) bp 0.11 (4) bp
Loan Loss Reserves/ Gross Loans 1.05 0.86 19 bp 0.82 23 bp
Reserves/ NPAs 98.10 62.46 3,564 bp 78.27 1,983 bp
Loan Loss Provision/ NCO NM 87.71 NM 127.46 NM
Per Share Information ($)
Common Shares Outstanding(actual) 13,346,789 13,313,537 0.25 13,261,801 2.56
Avg Diluted Shares(actual) 13,056,576 13,037,149 0.15 13,145,522 (2.71)
Basic Book Value per Share 9.55 9.01 5.99 9.51 1.68
Book Value per Share, As Reported 9.55 9.01 5.99 9.51 1.68
Basic Tangible Book Value per Share 8.67 8.08 7.30 8.62 2.32
Tangible Book Value per Share, As Reported 8.69 8.11 7.15 8.64 2.31
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra 0 0.11 NM 0.15 NM
EPS after Extra Growth(%) (100) 22.20 (12,222) bp 150 (25,000) bp
Core EPS 0 0.12 NM 0.16 NM
Core EPS Growth(%) NM 15.80 NM 58.20 NM
Diluted EPS before Amortization 0 0.12 NM 0.16 NM
Pre-Provision Earnings per Share 0 0.12 NM 0.16 NM

   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.

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